stockrowPennyMac Financial Services, Inc.
PFSI Financial Mortgage Finance
PennyMac Financial Services, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $2.0 billion, up 28.4% from fiscal 2024.
- Revenue
- −25.9%
- EPS
- −84.3%
- Free cash flow
- +218.4%
- Total debt
- +7.47%
Quarter to September 2026, against a year earlier
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PennyMac Financial Services, Inc. (PFSI) Gross margin
PennyMac Financial Services, Inc.'s gross margin over the twelve months to 30 September 2026 was 76.8%, down 4.9 percentage points from fiscal 2025 (81.7%). Over the past ten years it has ranged from 80.9% (fiscal 2019) to 88.4% (fiscal 2016); the current reading is higher than 18% of that period. That is below the Mortgage Finance industry median of 81.3% and above the Financial sector median of 70.5%.
Gross margin, annual
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Annual newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| FY2025 | 81.7% | (1.35) |
| FY2024 | 83.1% | (3.83) |
| FY2023 | 86.9% | (1.37) |
| FY2022 | 88.3% | 2.16 |
| FY2021 | 86.1% | (1.05) |
| FY2020 | 87.1% | 6.23 |
| FY2019 | 80.9% | (2.38) |
| FY2018 | 83.3% | (2.25) |
| FY2017 | 85.5% | (2.83) |
| FY2016 | 88.4% | 0.36 |
Quarterly newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| Sep 2026 | 76.9% | 4.30 |
| Jun 2026 | 72.6% | (5.80) |
| Mar 2026 | 78.4% | (0.63) |
| Dec 2025 | 79.0% | (5.44) |
| 43 more quarters | Free account |
Against its own ten years
Gross margin against peers
| Company | Gross margin |
|---|---|
| RKT Rocket Companies, Inc. compare | 100.0% |
| ONIT Onity Group Inc. compare | 100.0% |
| GHI Greystone Housing Impact Investors LP compare | 97.3% |
| LDI loanDepot, Inc. compare | 87.5% |
| BETR Better Home & Finance Holding Company compare | 81.3% |
| UWMC UWM Holdings Corporation compare | 81.0% |
| PFSI PennyMac Financial Services, Inc. | 76.8% |
| WD Walker & Dunlop, Inc. compare | 46.5% |
| VEL Velocity Financial, Inc. compare | 0.00% |
| Mortgage Finance industry median | 81.3% |
| Financial sector median | 70.5% |
| Market median | 46.0% |
What Gross margin is
Gross Margin tells an investor how much of each sale a company keeps after paying the direct costs of making or buying what it sells.
Gross Profit ÷ Revenue
More on PFSI
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement